Polk County property record for 409 Laurel Cove Way, Winter Haven, FL 33884
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,096 sqft · built 1985 |
| Lot Size | 0.015 acres (630 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Apr 2020) |
| Tax Bill | $612 (2025) |
| Deeds & Mortgages | Apr 2020 Sale & Construction Loan Oct 2017 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-29-12-687501-042150 |
| Primary APN | 26-29-12-687501-042150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,096 sqft Living Area |
| 1st Floor Area | 1,096 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Tile |
| Lot Area | 630 sqft (0.015 acres) |
| Street Address | 409 LAUREL COVE WAY |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3127 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | WINTERSET NO. ONE A CONDOMINIUM COND BK 8 PGS 13-35 OR BK 2371 PGS 1236-1312 OR 2391 PGS 612-626 & OR 5186 PGS 454-470 LAUREL COVE D UNIT 215 & AN UNDIVIDED SHARE IN THE COMMON ELEMENTS OF ASSOCIATION PARCEL NO. 1 AS PER CONDO DECLARATION (AKA: COMMO |
| Legal Range | 26E |
| Legal Township | 29S |
| Legal Section | 12 |
| Legal Subdivision | WINTERSET NO 1 A CONDO (2ND AMENDMENT) |
| Legal Tract | 687501 |
| Legal Block | 2 |
| Legal Lot Number | 215 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 14006 |
409 Laurel Cove Way, a condominium, is owned and occupied by an individual who bought it in April 2020.
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 LAUREL COVE WAY, WINTER HAVEN, FL 33884-3127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2020 | Warranty Deed, Construction Loan · Construction Mortgage MIDFLORIDA CU |
| Oct 3, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 3, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2020 · Amount on File |
| Deed Sale | Apr 30, 2020 · Amount on File |
| Prior Sale | Oct 6, 1998 · Amount on File |
| Deed Document Number | 202088679 |
| Deed Book / Page | 11221 / 572 |
| Prior Transfer Date | Aug 14, 2017 |
| Prior Transfer Doc | 0102751653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 30, 2020 |
| Property Address | 409 LAUREL COVE WAY, WINTER HAVEN, FL 33884-3127 |
| Document Number | 0112210572 |
| Book / Page | 011221 / 000572 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 88679 |
| Transaction Type | Construction Loan |
| Record Updated | May 19, 2020 |
| Title Company | SMART TITLE II LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $945.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 LAUREL COVE WAY WINTER HAVEN FL 338843127, WINTER HAVEN, FL 33884-3127 |
| Document Number | 112210574 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 011221/000574 |
| Instrument | 88680 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802-8608 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 29, 2021 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 3, 2017 |
| Property Address | 409 LAUREL COVE WAY, WINTER HAVEN, FL 33884-3127 |
| Document Number | 0102751653 |
| Book / Page | 010275 / 001653 |
| Instrument Date | Aug 14, 2017 |
| Instrument | 188615 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX BOX 133 WEST POLAND ME 04291, WEST POLAND, ME 04291 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 3, 2017 |
| Property Address | 409 LAUREL COVE WAY, WINTER HAVEN, FL 33884-3127 |
| Document Number | 0102751651 |
| Book / Page | 010275 / 001651 |
| Instrument Date | Aug 14, 2017 |
| Instrument | 188614 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 133 WEST POLAND ME 042910133, WEST POLAND, ME 04291-0133 |
The 2025 property tax bill for 409 Laurel Cove Way was $612 with a homeowner's exemption, down 22.2% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $89,017 (+2.7%) | $173,000 (+6.13%) Land $100 Building $172,900 | |
| 2025 | $612.00 (-22.24%) Homeowner's exemption | $86,677 | $163,000 Land $100 Building $162,900 |
| 2024 | $787.00 (+4.38%) | ||
| 2023 | $754.00 (+4.58%) Homeowner's exemption | $81,781 (+3%) | $162,000 (+14.89%) Land $100 Building $161,900 |
| 2022 | $721.00 Homeowner's exemption | $79,399 | $141,000 Land $100 Building $140,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Laurel Cove Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 409 Laurel Cove Way is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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